Mcb Bank Limited · PSX:MCB
Mcb Bank — H1 2025 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, Jun 30, 2025
Slide 1: MCB Bank Limited Financial Performance, Half Year Ended June 30th, 2025
MCB Bank Limited Financial Performance Half Year Ended June 30th, 2025 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ATMs MCB Live 8 Foreign branches Over 9.3 million 1489 ATMs across Over 1.6 Million Domestic : 1395 ➢ Sri Lanka – 5 customer accounts the country MCB Live users EPZ : 01 ➢ UAE – 2 ➢ Bahrain – 1 1 Rep Office in UK Deposits Advances Home Remittance
Slide 3: Key Highlights
Key Highlights Macroeconomic outlook; CA Concentration improved to 54% ➢ The global economy in 2025 has been marked by heightened uncertainty, primarily driven by volatile trade policies and geopolitical tensions. Markets have reacted sharply to fluctuating tariff announcements and escalating confli
Slide 4: Robust growth in assets - fueling future earnings
Robust growth in assets - fueling future earnings PKR in Billions Advances Portfolio: Jun 2025 Dec 2024 Var. % var. • Non-Performing Loans (Stage-3) decreased by Rs. 1.2 billion; • Coverage & Infection ratios of the Bank were reported at 91.71% and 7.42% respectively. ASSETS 3,378.7 2,703.3 675.3 24
Slide 5: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 4.96%) PKR in Billions Jun 2025 Dec 2024 Var. % var. Advances (gross) 704.6 1,094.8 (390.3) -36% 1,095 798 705 Retail 64.5 68.5 (3.9) -6% 514 636 622 Corporate 518.0 910.9 (392.9) -43% Consumer 43.6 37.2 6.4 17% Dec-20 Dec-21
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Jun 2025 Dec 2024 T-Bills 22% 7% Jun 2025 Dec 2024 Var. % var. PIBs 71% 81% Equity securities 3% 5% Other Government Securities 3% 6% Treasury Bills 452.3 76.3 376.0 493% Debt instruments 1% 1% Pakistan Investment Bonds - Fi
Slide 7: Current Deposits achieved landmark of Trillion
Current Deposits achieved landmark of 1 Trillion Total Deposits (CAGR : 12.94%) PKR in Billions Total Deposits Current Deposits Saving Deposits PKR 2.2 trillion PKR 1.2 trillion PKR 979 billion 1,805 1,922 2,235 1,290 1,412 1,379 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Jun-25 Current Deposits (CAGR : 20.
Slide 8: Sustained Profitability in narrowing down interest rate environment
Sustained Profitability in narrowing down interest rate environment Strategic recalibration in a stabilizing economy – building a PKR in Billions stronger, more sustainable growth path; Jun 2025 Jun 2024 Var. % var. • Narrowing margins in a normalized interest rate environment; net interest income d
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Risk Weighted Assets (RWA) Buffer of 811bps on top of regulatory CAR Tier I Tier II RWA Jun-25 : PKR 1,466 billion 4.3% CAR ORWA, 298 Jun-25 15.3% 19.61% 15.5% CAR MRWA, 256 CRWA, 911 Dec-24 3.9% 19.35% • Bank’s total Capital Adequacy Ratio (CAR) is 19.61% against th
Slide 10: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is operating a wholly owned Islamic Subsidiary – MCB Islamic Bank Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances PKR in Billions 256 PKR in Billions Jun 2025 Dec 2024 Var. % var. 204 209 154 Deposits 255.89 209.11 46.78 22% 123 123 114 99 85
Slide 11: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 Winner – Overall Best Corporate Report Award 2023 Overall Most outstanding Company in Pakistan 2020 Winner” - Best Corporate Report Award 2023 – Banking Sector Most outstanding Company in Pakistan 2020, 20
Slide 12: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk